Soldier for Life Retirement Services Office9 November 2020

Department of the Army Retirement Planning Briefing

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Purpose

To provide an overview of the planning needed to prepare for retirement.

NOTE: This briefing is not designed to replace the Army Retirement Planning Briefing provided

by Retirement Services Officers!

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The Blog

ActiveArmy ARNG USAR

RetiredSoldiers

Surviving Spouses

100,812 71,850 41,529 998,600 250,617

Army Retirement Services

Retirement is a process, not an event!

Post-Retirement Policy

Your mission has changed,but your duty has not!

Retirement Planning Policy

FY19: $21.8B in retired and annuitant pay FY20: 28,647 Soldiers retired

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Change of Mission

• U.S. Army’s official retirement planning newsletter for Soldiers in all three components with 17+ years of service

• Published via myPay SmartDoc inJan, Apr, Jul and Oct

• Sent to 188K Soldiers quarterly. If you didn’t receive it, check your email address in myPay

• Available at https://soldierforlife.army.mil/retirement/change-of-mission

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Throughout Your Retirement Planning

• Gather and study information needed to make critical retirement decisions

• Discuss the information with your Family

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MilSpouse Money Missionhttps://www.milspousemoneymission.org/

MilSpouse Money Mission™:Our mission is to educate and empower military spouses to elevate their families by making smart money moves.

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The Retirement Planning Timeline2020 U.S. Army

Retirement Planning Guide

36 months- Gather resources- Retire where?- Retire when?- Determine service providers- Create major decision timeline- Plan to work? School?- Consider credentialing & internships- Start transition savings fund

18-24 months- PCS move before retirement?- Required service obligations?- Retired pay estimate- Attend SFL-TAP- Attend RSO Seminar

12-18 months- Medical/dental care catch up- College applications?- Start employment networking- SBP and life insurance- Investigate healthcare options

6-12 months- Apply for retirement- Preseparation transition checklist- Start active job search- Finalize PTDY & leave plan- Interview/post-retirement wardrobe purchases6 months

to 1 month- Retirement physical- Start active job search & PTDY- Change myPay email- Schedule final move- Househunting- BRS lump sum application- Transition leave starts- Hand over job responsibilities- Apply for VA disability compensation

Retirement month- Retirement ceremony- Survivor Benefit Plan election- Outprocessing/DD 214- Get medical records- HHG move- Will/POA update

0-6 months after- New ID cards- Apply for TRICARE- New job starts- VGLI?- CRSC?

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Soldier for Life TransitionAssistance Program (SFL-TAP)

• You may initiate the SFL-TAP process 24 months before retirement.

• You MUST begin the SFL-TAP process and complete the mandatory Pre-Separation Counseling no later than 365 days before your effective retirement date.

• Soldiers need an average of 40 hours, spread over a 12-24 month period of time, to take advantage of SFL-TAP services.

• Consists of:- Pre-separation counseling - Job assistance workshops- Individual counseling- Job search resources

• SFL-TAP Home Page: https://www.sfl-tap.army.mil

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How does the 180-Day Restriction on Hiring Retired Military Impact Me?

• The Department of Defense (DoD) has restrictions on hiring military members for DoD Federal civilian positions within 180 days of retirement. This includes and impacts military members on transition leave.

• Military retirees may not be appointed within 180 days after the effective date of military retirement as an appropriated fund (GS), or non-appropriated fund (NAF) civilian employee unless the position is covered by a special salary.

• The 180-day restriction is in place unless the hiring official requests and receives an approved waiver.

180-Day Restriction on Hiring Retired Military

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• RSO Program• Retired Pay & Taxes• Cost of Living Adjustments• Transition Leave & PTDY• Uniformed Services Former

Spouses' Protection Act• SGLI VGLI• Shipping Household Goods• Post-Service Employment and

Ethics• Space-A Travel• ID Cards

• Combat-Related Special Compensation (CRSC)

• Concurrent Retirement and Disability Pay (CRDP)

• Retiree Mobilization• Survivor Benefit Plan (SBP)• MyArmyBenefits• Staying Connected to the Army• VA Benefits• TRICARE• Social Security

The Soldier for Life - Transition Assistance Program is a separate program for all Soldiers leaving the Army

Mandatory Retirement Planning Seminar topics

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Due to COVID-19 Restrictions, in-person Mandatory Retirement Planning Seminars are not currently available. IAW ALARACT 093/2020, the briefing is currently available online at https://soldierforlife.army.mil/Retirement/retirement-planning.

NOTE: Contact your serving Retirement Services Officer (RSO) to determine their method of delivery (i.e. virtual briefings via MS Teams, via the presentation available on our page, etc.). RSO locator is available at https://soldierforlife.army.mil/Retirement/rso

You should plan on completing the Mandatory Retirement Planning Seminar at least 12 months prior to retirement. There is a lot of information available at the link listed above that you will find extremely useful, to include a Retirement Planning Guide as well as slides, brochures and useful links.

Mandatory Retirement Planning Seminar

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Reserve Component MandatoryRetirement Planning Seminar

• Due to COVID-19, the USAR Retirement Seminars are being conducted Virtually

• Soldiers with 15 or more years toward non-regular retirement, Gray Area Retired Soldiers, and their families should attend

• Briefing includes Retirement Points, RCSBP/SBP, Retired Pay Application, VA, TRICARE, TRICARE Retiree Dental Program, ID/DEERS, MyArmyBenefits (other community partners i.e. SSA) to provide Soldiers with education and counseling to make informed decisions related to retirement

• Held in largest target population cities (USAR) and at the JFHQs (ARNG)

• Held on Saturdays with a minimum of 12 Seminars per RSC per year (USAR). Contact applicable State RSO for briefing dates (ARNG)

Soldier For Life, Preparing to Retire: https://soldierforlife.army.mil/retirement/preparing-to-retireUSAR Retirements: https://www.usar.army.mil/Retirement/ARNG Retirements: https://www.milsuite.mil/book/groups/arng-hrp-t-retirement-services/pages/retirement-services

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Retirement Considerations

• Retirement date − 1st day of the month if for length-of-service− any date for disability retirement

• In lieu of PCSapply within 30 calendar days of alert for a retirement date no more than 6 months from the date of the PCS alert or the first day of the month after attaining 20 years AFS, whichever is later.

• Active duty service obligationdue to promotion, PCS, completion of military or civilian schooling, etc.

• Reassigned on a PCSmust wait 1 year to retire (Officer AR 350–100, Enlisted AR 635-200 )

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• Since 1 August 2013, Soldiers who transfer Post-9/11 GI Bill education benefits to their dependents incur a 4-year service obligation.

• If you retire without completing your service obligation, you will incur a debt.

Transferring your Post 9/11 GI Bill(http://milconnect.dmdc.mil)

For more information, contact HRC Education Incentives Section at 1-800-872-8272 or usarmy.knox.hrc.mbx.tagd-post911gibill@mail.mil

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Applying for Active Duty Length of Service Retirement

CG, HRC is the retirement authority for officers with 20-30 years of service and SSG(P) and above not retiring at RCP.

• How- Officer - Chapter 6, AR 600-8-24- Enlisted - Chapter 12, AR 635-200

• When- Maximum: 12 months before desired retirement date- Minimum: Officers – 9 months before start date of transition leave

Enlisted – 9 months before retirement date

• Where- General Officers: Notify GOMO at (703) 697-7994/9466 (DSN 227)- COL & LTC (P): Notify Colonels Management Office at (703) 602-8529 (DSN 332) - JAG Retirements (703) 545-2028- Chaplain Retirements (571) 256-8764- Army National Guard: State AGR Office (T32); Human Capital Management (T10)- All others: Local Military Personnel Office

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Non-Regular Retirement• Retirement eligibility

– 20 years of creditable service for a length of service retirement– 15 years of creditable service for a medical retirement– If you completed 20 years of service before 25 April 2005, you will

have a reserve component service requirement

• Retirement Points = Retired Pay: verify yours are correct now!

• Reduced Age Retirement‒ Eligibility age reduced below age 60, in 90-day increments, for

qualifying periods of service within a fiscal year on or after 29 January 2008. Effective 1 October 2014, 90-day increments CAN cross fiscal year boundaries.

‒ May not be reduced below age 50.

• The MyArmyBenefits retirement calculator automatically pulls your points from iTAPDB

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15 or 20 Year Notification of Eligibility (NOE) for Non-Regular Retirement

• RC Soldiers who complete the eligibility requirements under T10 USC section 12731a, will be notified in writing within 1 year after completion of required service

• RC Soldiers who complete 20 years of qualifying service will be issued the Notification of Eligibility (NOE) for Retired Pay at Age 60 (20-year letter). A 20 Year NOE is not provided to Soldier’s who are past age 59

• RC Soldiers who complete at least 15, but less than 20 years of qualifying service will be issued the 15-year NOE (Only Soldiers deemed unfit for continued Selected Reserve service)

• Mailed to eligible Soldiers within 90-120 days of recording 20 years of qualifying service. The letter is mailed to the address of record and is also posted to iPerms

• USAR Soldiers can view and print a personal copy of their DA Form 5016 by logging into the My Record Portal at https://www.hrcapps.army.mil/portal/.

• ARNG Soldiers should email their applicable state RPAM rep for NOE requests, refer to the POC directory at https://www.milsuite.mil/book/docs/DOC-396107

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Non-Regular Retirement Application

• Eligible Soldiers may request retirement applications by contacting HRC or by downloading the application from the HRC website at https://www.hrc.army.mil/content/Gray%20Area%20Retirements%20(GAR)%20Branch

• Submit no earlier than 9 months and no later than 90 days prior to retirement date to ensure payment in a timely manner.

• The application packet contains DD Forms 108 and 2656, instructions, current retirement point pay value matrix, and a return envelope.

• Methods for submitting the completed application are:- Email: usarmy.knox.hrc.mbx.tagd-ask-hrc@mail.mil- Mail: DEPARTMENT OF THE ARMY

US ARMY HUMAN RESOURCES COMMANDATTN: AHRC PDP TR1600 SPEARHEAD DIVISION AVENUE DEPT 482FT KNOX KY 40122

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Calculate Your Retired Pay in 3 Steps

Step 1: Determine your DIEMS date (Date of Initial Entry into Military Service). **This is the date of your initial service contract. This date does not change regardless of breaks in service or changes in duty status.

Step 2: Determine which pay plan you are eligible for based on your DIEMS date

Step 3: Use the appropriate formula to calculate your retired pay

The brigade/installation Personnel Automation Section POC can correct DIEMS dates. The local finance office will correct the Defense Joint Military System. Once a Soldier’s DIEMS date can be verified, the changes will be reflected on the ERB/LES.

Where to validate your DIEMS

For a fast, personalized retired pay calculation, go to https://myarmybenefits.us.army.mil/Benefit-Calculators/

and click on the retirement calculator

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Retirement Plan DIEMS• Final Basic Pay Plan

(Years of creditable service x 2.5%) x Final Basic Pay

Prior to September 8, 1980

• High-36 Pay Plan

(Years of creditable service x 2.5%) x average of highest 36 months basic pay

Between September 8,1980 and July 31, 1986

• High-36 Pay Plan (calculation above) ~OR~• Career Status Bonus* (CSB)/REDUX Pay Plan (if you declined CSB, you are automatically High-36)

REDUX: (Years of creditable service x 2.5%) minus 1% for each year < 30 years x average of highest 36 months of basic pay

* CSB no longer available as of 31 DEC 17

Between August 1, 1986 and December 31, 2017

• Blended Retirement System (BRS)(Years of creditable service x 2%) x average of highest 36 months basic pay

January 1, 2018 or later, or opted-in during the opt-in period

Retired Pay Plans

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Blended Retirement System Basics

Individual Contribution

Agency Automatic Contribution

Agency Matching Contribution

Total TSP Monthly Contribution

0% 1% 0% 1%1% 1% 1% 3%2% 1% 2% 5%3% 1% 3% 7%4% 1% 3.5% 8.5%5% 1% 4% 10%

Defined Contribution

x x 2.0% x =

NOTE: Currently serving members who opted-in receive matching contributions immediately

Years of Service

High-36 Month

Average of Base Pay

Defined Benefit• Basic qualifications for

retirement do not change• The pension is still the

primary component of military retirement

Continuation Pay

• Mid-career incentive designed to maintain force retention• Payable at 8-12 years of service• AC: 2.5x to 13x monthly basic pay (0.5x to 6x for RC)

Monthly Retired Pay

For non-regular retirement, at age 60 or earlier with creditable active service

Lump Sum

• At retirement, may elect lump sum of 25% or 50% of retired pay from retirement to age 67

• At age 67, reverts back to full annuity

(DIEMS on or after 1 Jan 18 or < 12 YOS/4,320 points as of 1 Jan 18 & opted-in to the BRS)

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MyArmyBenefitsBenefit Library

• Federal Fact Sheets• State and Territory Benefits Fact

Sheets• Resource Locators

Benefit Calculators • Retirement• Survivor Benefits• Deployment Calculator

Benefits Help Desk Operations Wounded Warrior Special Module

• Wounded Warrior / DRE Calculator• Sustaining Income Calculator

Casualty Operations Special Module • Survivor Benefits Report

https://myarmybenefits.us.army.milBenefit Calculators link directly to DEERS information through CAC or DS Logon.

Benefit Library

Help Desk

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Federal taxes are due on all retired military compensation

Home of Residence is determining factor; not Home of Record!

Taxes*

*State taxes as of 5 Nov 20. Conditions or limitations apply. Check state law. See the MyArmyBenefits state fact sheets at https://myarmybenefits.us.army.mil/Home/Benefit_Library/State__Territory_Benefits.html for details.

You pay NO Social Security or Medicare tax on retired pay. You’ll collect full Social Security benefits when you reach the age of eligibility!

= No State Income Tax

= No State Tax on Retired Pay

= Some State Tax on Retired Pay

= State Tax on All Retired Pay

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Retirement Physical

• Army requires a retirement physical

• NET 6 months and NLT 1 month before retirement/start of transition leave*

• Your last record of active duty health

• Assists with claim for VA service-connected disability

• Most sites now provide combined Service and VA retirement physical

Use the results of your retirement physical to apply for VA disability benefits under the:

• Benefits Delivery at Discharge (BDD) Program (90-180 days left)• Fully Developed or Standard Claim (1-89 days left)

VA goal is to start disability payments within 60 -120 days of retirement. Visit the VA web site at https://www.va.gov or call 1-800-827-1000

* AR 40-501

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VA rates disabilities 0% - 100%– Each % has an assigned dollar amount

– Basic rates effective 1 December 2019 (Veteran only): from $142.29 (10%) to $3106.04 (100%), (30% & higher = Extra dependent allowance)

– Tax free payments

– For Retired Soldiers <50% disabled, disability pay offsets military retired pay dollar for dollar

– Free VA medical care for service-connected conditions

– 0% rating means a condition is service connected, but is not severe enough to merit disability pay

https://www.benefits.va.gov/compensation/types-compensation.asp

VA Compensation for Service-Connected Disability

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CRSC & CRDP Comparison

Combat Related Special Compensation Concurrent Retirement and Disability Pay

Combat related disabilities Service connected disabilities

• Armed conflict (e.g. wounds)

• Simulated combat (e.g. FTX)

Retired pay that would have been waived by the Soldier in order to receive disability pay is restored (i.e., no $ for $ off-set of retired pay)

• Hazardous service (e.g. parachute duty)

• Instrumentalities of war (e.g. combat vehicles)

10%-100% disability rating (combat related) 50%-100% disability rating (service connected)

Not taxable; not divisible in divorce Taxable; divisible in divorce

Receiving retired pay 20-year (Active or RC) or TERA retirement

Must apply to HRC Automatic; no application required

https://www.hrc.army.mil/TAGD/Apply%20for%20CRSC

http://www.dfas.mil/retiredmilitary/disability/crdp.html

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Retirement and Disability Payments

Retired pay is reduced dollar-for-dollar by VA Disability Pay unless the Soldier qualifies for Concurrent Retirement and Disability Pay (CRDP)

$0

$500

$1,000

$1,500

$2,000

$2,500

$3,000

Soldier ARetired Pay

Only

Soldier BRetired & VADisability Pay

Soldier CRetired &

VA DisabilityPay & CRSC

Soldier DCRDP

NOTE: Example depicts four Soldiers retired at the same pay grade and years of service

Tying It All Together

(0% VA Disability)

(10-40% VA Disability) (10-40% VA

Disability)

(50-100% VA Disability)

Retired Pay(Taxable)

Disability Pay(Non-taxable)

CRSC(Non-taxable)

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Healthcare Decisions . . .

• When On Active Duty– you are enrolled in TRICARE Prime and pay no fees– your family members pay no enrollment fees, but must choose a TRICARE

option and apply for enrollment in TRICARE Prime • When You Retire. **You must reenroll within 90 days of your

retirement date to avoid a lapse in coverage.**– TRICARE Prime – Managed care option. MTFs are principal source of

health care (100% covered)Annual fee is $600 per family or $300 per individual plus co-pays for

treatment at non-MTF TRICARE network providers. – TRICARE Select – Fee for Service Plan. Schedule appointments with any

TRICARE authorized provider. Annual fee* ($300/family, $150/indiv), plus copays and cost shares based

on the type of care and type of provider you see. Deductible of $150 (individual), no more than $300 per family.

– TRICARE Young Adult – for children between ages 23 and 26 Not subsidized. Premiums are $376 per month (Prime) or $228 per month

(Select), plus copays and cost shares.

See https://www.tricare.mil for more details

* Starting 1 JAN 2021

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‒ US Family Health Plan− Began as US Public Health Service hospitals− TRICARE Prime Option for Retired Soldiers

and eligible family members up to age 65.− https://www.usfhp.com/ or (800) 748-7347− The annual fee is $600 per family or

$300 per individual

‒ Department of Veterans Affairs− Vets separated under any condition

other than dishonorable including Army Reserves or Army National Guard called to active duty by a federal order who completed the full period

− Some Vets may be required to pay a co-pay for treatment of their non-service connected conditions. Private health insurance may reduce or eliminate the co-pay.

− Most Vets must complete a financial assessment at time of enrollment− https://www.va.gov/health/ or 1-877-222-VETS (8387)

Healthcare Decisions . . .

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• Able to select from a choice of twelve National/International and Regional dental carriers

• Able to select from a choice of five National/International vision carriers.• High and Standard plan options available for both dental and vision with varying

monthly premium rates based on coverage.• Retiring uniformed service members are eligible to enroll between 31

days prior to their military retirement date and up to 60 days following.• Premiums can be deducted from retired pay. • When you enroll, you must select that you are newly eligible and provide your

eligibility date; your enrollment may be voided if you misrepresent yourself as newly eligible.

• Your FEDVIP coverage will be effective the first day of the first pay period following the date your enrollment is received.

Federal Employee Dental andVision Insurance Program (FEDVIP)

Visit https://www.benefeds.com/ for more information

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TRICARE Coverage - Retired RC Soldiers

Under age 60 60 61 62 63 64 Age 65+Gray Area Retired Soldiers

May qualify to purchase TRICARE Retired Reserve

Eligible for TRICARE Select

TRICARE Prime or US Family Health Plan (where available)

Begin TRICARE For Life

Retired Reserve Coverage Timeline

Note: TRICARE Standard and TRICARE Extra plans transitioned to TRICARE Select. Retired members will need to choose between TRICARE Select, TRICARE Prime, or US Family Health Plan

For information and assistance: https://tricare.mil/Plans/HealthPlans

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The Survivor Benefit Plan

In FY19, 81% of Retiring Soldiers took SBP

RETIRED PAY STOPS WHEN THE RETIRED SOLDIER DIES!

The Survivor Benefit Plan Decision is:• A critically important part of retirement

planning for you and your Family!• A financial foundation for your retirement.

https://soldierforlife.army.mil/retirement/survivor-benefit-plan

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SBP Elections. . .

• Must be made before retirement• Are generally irrevocable, but may be cancelled with spouse’s concurrence between months 25-36 following retirement• Spouse concurrence is required by law if Soldier elects less than maximum SBP coverage for his/her spouse unless the election is for former spouse

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SBP Election Categories• Spouse Only

• Spouse & Children

• Children Only

• Former Spouse

• Former Spouse and Child

• Insurable Interest

NOTE 1: Soldiers with no beneficiaries at retirement can elect to cover a new beneficiary within one year of gaining the beneficiary by notifying DFAS.

NOTE 2: Former Spouse provisions: • May be elected voluntarily, as a result of a court order in divorce; or a written

agreement• May convert to spouse coverage upon the death of the former spouse

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SBP DetailsDecision

Monthly annuity is 55% of the “base amount”

Spouse’s annuity paid forever (unless spouse remarries before age 55; if remarriage ends, annuity is reinstated)

Child’s annuity is paid to age 18 (or age 22 if in school or until death if totally incapacitated at age eligible for SBP)

Annuity is increased by annual COLA

Premiums are paid only when you have eligible beneficiaries. (Keep DFAS updated when beneficiaries change.)

Monthly Spouse cost is 6.5% of the “base amount”

NOTE: Base amount = $300 up to full retired pay per month

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Reserve ComponentSurvivor Benefit Plan

• Prior to 1 January 2001, Soldiers who failed to make an election for RCSBP within 90 days of receipt of their 20 Year NOE Letter were automatically prevented from enrolling until age 60.

• From 1 January 2001 to present, Soldiers with eligible dependents who fail to respond to the offer of RCSBP enrollment are automatically enrolled in RCSBP under option C (immediate coverage) for spouse and child.

• RCSBP information is mailed to Soldier with the 20-year letter.• Option A – declined coverage until non-regular retirement• Option B - annuity is paid when the Soldier would have reached age 60 if death occurs prior to non-regular retirement • Option C – annuity is paid immediately if death occurs prior to non-regular retirement

Note: Your RCSBP election becomes your SBP election when you apply for your retired pay.

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$199,898

$271,955

$56,080

$687,007

$0

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

$700,000

$800,000

2021 2031 2041 2051 2061

Annual SBPAnnuity

SBP Cost of Living Adjustments (COLA)The effects of COLA on SBP over 40 years for a CSM who retires

in 2020 with a $8,497 SBP base amount and then dies on 1 JAN 2021.

You pay in today’s dollars for an SBP annuity paid in future dollars• 3% COLA represents low inflation• 3.74% COLA** represents inflation average over previous 40 years• 6% COLA represents moderate inflation

All calculations are before tax dollars made using DOD Office of the Actuary tables** SOURCE: US Dept. of Labor, Bureau of Labor Statistics

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Spouse SBP Premium Payback Period

*No further cost after 360 premium payments (30 years) and age 70

SOURCE: DOD Actuary

SBP Premiums Paid

Premium Payback Period

5 years 8 months10 years 1 year, 2 months15 years 1 year, 8 months20 years 2 year, 1 month25 years 2 years, 5 months*30 years 2 years, 8 months

Based on a 2% long term COLA

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Impact of ID Card Changes at Retirement

• Soldier turns in Common Access Card (CAC)

• Retired ID card is not a CAC, so…

• No access to DOD Enterprise Email

• No access to CAC-enabled systems

• Must change myPay account to commercial email

• Must obtain DS Logon Account to access records and systems

DS Logon: Request an account online athttps://www.dmdc.osd.mil/identitymanagementor visit an ID Card facility or VA Regional Office

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Army Echoes

• The Army’s official newsletter for Retired Soldiers

• Delivered electronically to your email address in myPay

• Change your email address in myPayto a commercial email address before you retire!

• iPhone & Android phone apps

• Read the Army Echoes Blog to receive frequent news between editions at https://soldierforlife.army.mil/retirement/blog

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Soldier for LifeWindow Sticker(DA Label 180 &DA Label 180-1)

US Army RetiredLapel Button

Identify yourself as a Soldier for Life

How will they know you? Conversation starters

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Every retiring/Retired Soldier and Family WORLDWIDE is supported by an RSO who gives Retirement Planning briefings and answers questions one on one. (NOTE: Briefings are being held virtually due to COVID. Refer to slides 12 and 13 for additional information)

Retirement Services Officers (RSO)

Joint Base Myer-Henderson Hall Retirement Planning Briefing: The briefings are held in the community center, bldg. 405, on the 1st Tuesday of each month, from 0800-1200. RSO contact information (703) 696-5948, email usarmy.jbmhh.asa.mbx.hrd-rso@mail.mil

Fort Belvoir Retirement Planning Briefing: The briefings are conducted on the 1st or 2nd Wednesday of every OTHER month, at the Barden Education Center (Bldg 1017), 0800-1230. RSO contact information (703) 806-4551/4084, email usarmy.belvoir.imcom.mbx.rso@mail.mil, to verify the date and register.

Fort Meade Retirement Planning Briefing: The briefings are held on the 2nd

Thursday of each month at the Max J. Beilke Building, 2234 Huber Rd, Ft.Meade, MD, in classroom 4. Reservations are required (check the website athttps://www.ftmeade.army.mil/directorates/dhr/mpd/rso/rso.html). RSO contact information (301) 677-9434/9600, email armyrsomeade@mail.mil

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• Army G-1 Retirement Services Office Homepage https://soldierforlife.army.mil/Retirement– DA Retirement Planning Guide– USAR & ARNG Non-Regular Retirement Guides – DA Survivor Benefit Plan (SBP) Briefing

• MyArmyBenefits at https://myarmybenefits.us.army.mil/

• Army Installation Retirement Services Officers (RSOs) https://soldierforlife.army.mil/Retirement/contact-us

• HRC Gray Area Retirements Branch https://www.hrc.army.mil/content/Gray%20Area%20Retirements%20(GAR)%20Branch

• USAR Readiness Division RSOs listed at: https://soldierforlife.army.mil/Retirement/ArmyReserve

• State RSOs can assist National Guard Soldiershttps://myarmybenefits.us.army.mil/Benefit-Library/Resource-Locator

• SBP vs. Life Insurance Comparison toolhttps://actuary.defense.gov/Survivor-Benefit-Plans/

Where Do You Find Retirement Information?

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Armyhttps://soldierforlife.army.mil/Retirement

Air Force https://www.retirees.af.mil/

Navyhttps://www.public.navy.mil/bupers-npc/support/retired_activities/Pages/default.aspx

Marine Corpshttps://www.manpower.usmc.mil/webcenter/portal/MRAHome

Coast Guardhttps://www.dcms.uscg.mil/ppc/ras/

For more information

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https://soldierforlife.army.mil/Retirement

rallypoint.com/organizations/soldier-for-life

@csaSoldier4Life

CSASoldierForLife

@csaSoldier4Life

US Army Soldier For Life

U.S. Army Soldier For Life

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Join the conversation

https://soldierforlife.army.mil/Retirement/change-of-mission

https://soldierforlife.army.mil/Retirement/army-echoes https://soldierforlife.army.mil/Retirement/blog

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QUESTIONS?

Thank you for your service!!